Trust & safety
Badges show only what was checked
BillAdvocate does not vet beyond the checks listed on each profile. Every badge names its source and the date it was checked; anything self-reported is shown as "on file, unverified".
Trust tiers
| Tier | Price | What it means |
|---|---|---|
| Basic · unverified | Free | Listed and searchable. No checks completed. |
| Verified · identity checked | Free | Identity checked through Stripe Identity. |
| Pro · checks listed on profile | Free | Identity plus the market's required license, insurance or background checks. |
Checks we can run
- Identity: government ID and selfie through Stripe Identity.
- License: number matched against the state's public registry where one is published (TX, WA, NY today), with a link to the registry.
- Insurance: certificate uploaded by the seller, checked by our team, with expiry reminders at 60, 30 and 7 days.
- Background check: Checkr, paid by the seller with their FCRA consent. Not enabled until the Checkr account is live; no badge is shown before then.
Important for this market
- BillAdvocate is not a law firm, does not give legal advice and does not represent you in any proceeding.
- BillAdvocate is not a debt-settlement, debt-relief, debt-management, credit-counseling or credit-repair service. Advocates here do two things only: (1) ask your internet, TV, phone, home-security or software provider for a lower rate on a current bill, and (2) audit a medical bill for errors and write a report and letters that you send yourself. They do not negotiate any balance you owe, past-due bill, collection account, loan, credit card or insurance premium, and they do not contact a medical provider or creditor for you. These services are not offered in every state; the booking page tells you if yours is covered.
- You can call your provider yourself for free, and you can start the federal No Surprises Act patient-provider dispute process yourself.
- Sellers may not charge any fee for settling or reducing a debt before a result is obtained and you have agreed to it (16 CFR 310.4(a)(5)).
- Health information you share is handled under our Privacy Policy. If unsecured health information is breached we notify you, the FTC and (where 500+ residents of a state are affected) the media, without unreasonable delay and within 60 calendar days, as the FTC Health Breach Notification Rule (16 CFR 318) requires. Sellers who are HIPAA covered entities or business associates follow HIPAA instead.
- Sellers may charge only after they obtain a result, you agree to it in writing, and you have made at least one payment under it; any percentage fee is a share of the savings you actually received.
- Washington residents: see the Consumer Health Data section of our Privacy Policy (RCW 19.373).
- Savings are never guaranteed.
Payments and disputes
Payments run through Stripe Connect. If something goes wrong, open a dispute; see the refund policy. Report a listing or copyright problem through the DMCA page or support@eliteaiempire.com. In an emergency call 911.